Houston County, TN Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 490 mortgage applications in Houston County, TN totaling $97.1 million, up 17% from 2024. The average application was for $198,000, and applicants reported an average income of $100,000. 48% of applications resulted in an originated loan and 20% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 34 applications, followed by Regions Bank and Traditions First Bank.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 490
Total Mortgage Loan Application Amount $97,140,000
Average Mortgage Loan Application Amount $198,000
Highest Mortgage Loan Application Amount $705,000
Average Applicant Income $100,000
Highest Applicant Income $1,646,000

Mortgage Company List for Lending in Houston County, TN for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ n/a 34 $ 4,690,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 32 $ 3,250,000
Traditions First Bank
5745 EAST MAIN STREET
ERIN, TN 37061
* $ n/a 29 $ 5,005,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 27 $ 7,795,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 17 $ 4,295,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 15 $ 3,725,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 13 $ 1,555,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 12 $ 2,970,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 11 $ 3,025,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 10 $ 1,710,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 10 $ 2,960,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 10 $ 2,290,000
Altra Federal Credit Union
1700 OAK FOREST DRIVE
ONALASKA, WI 54650
* $ n/a 10 $ 1,650,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 9 $ 2,375,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ n/a 9 $ 1,335,000
Fortera Federal Credit Union
2050 LOWES DRIVE
CLARKSVILLE, TN 37040
* $ n/a 9 $ 425,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 8 $ 2,420,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 7 $ 1,955,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 6 $ 1,510,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 6 $ 1,530,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ n/a 6 $ 750,000
First Federal Bank
611 EAST COLLEGE ST
DICKSON, TN 37055
* $ n/a 5 $ 1,125,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ n/a 5 $ 1,165,000
Johnsonville Tva Employees Cre
209 HWY 641 NORTH
CAMDEN, TN 38320
* $ n/a 5 $ 615,000
Firstbank
1221 BROADWAY SUITE 1300
NASHVILLE, TN 37203
* $ n/a 5 $ 1,535,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 5 $ 645,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 4 $ 310,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 4 $ 260,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 4 $ 1,020,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 4 $ 1,060,000
F&M Bank
50 FRANKLIN ST
CLARKSVILLE, TN 37040
* $ n/a 4 $ 350,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 4 $ 680,000
Legends Bank
P.O. BOX 1066
CLARKSVILLE, TN 37041
* $ n/a 4 $ 860,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 4 $ 1,060,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 4 $ 310,000
United Community Bank
PO BOX 398
GREENVILLE, SC 29601
* $ n/a 3 $ 455,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 3 $ 1,575,000
Cornerstone Financial Credit Union
1701 21ST AVE. SO./PO BOX 120729
NASHVILLE, TN 37212
* $ n/a 3 $ 485,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 3 $ 695,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 3 $ 225,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 3 $ 705,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 3 $ 885,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 2 $ 300,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ n/a 2 $ 240,000
Equity Prime Mortgage LLC
5 CONCOURSE PKWY, STE 2250
ATLANTA, GA 30328
* $ n/a 2 $ 240,000
SWBC Mortgage Corporation
9311 SAN PEDRO AVENUE STE 100
SAN ANTONIO, TX 78216
* $ n/a 2 $ 280,000
Gershman Investment Corp.
16253 SWINGLEY RIDGE ROAD, SUITE 400
CHESTERFIELD, MO 63017
* $ n/a 2 $ 560,000
Ameris Bank
300 SOUTH MAIN STREET
ATLANTA, GA 30305
* $ n/a 2 $ 900,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 730,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 2 $ 250,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 2 $ 100,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 2 $ 520,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 40,000
Loanunited.Com, LLC
3235 SATELLITE BLVD SUITE 314
DULUTH, GA 30096
* $ n/a 2 $ 680,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ n/a 2 $ 160,000
Sun West Mortgage Company, Inc
18000 STUDEBAKER ROAD, SUITE 200
CERRITOS, CA 90703
* $ n/a 2 $ 330,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 2 $ 610,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 2 $ 840,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ n/a 2 $ 430,000
Iserve Residential Lending
10920 VIA FRONTERA SUITE 520
SAN DIEGO, CA 92127
* $ n/a 2 $ 550,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 2 $ 440,000
Planters Bank, Inc.
1312 SOUTH MAIN ST
HOPKINSVILLE, KY 42240
* $ n/a 2 $ 610,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 1 $ 85,000
American Pacific Mortgage Corporation
3000 LAVA RIDGE COURT, SUITE 200
ROSEVILLE, CA 95661
* $ n/a 1 $ 275,000
Baxter Credit Union
340 N MILWAUKEE AVE
340 N MILWAUKEE AVE, IL 60061
* $ n/a 1 $ 85,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 45,000
Tristar Bank
719 E COLLEGE STREET
DICKSON, TN 37055
* $ n/a 1 $ 335,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ n/a 1 $ 245,000
Carroll Bank and Trust
19510 E MAIN ST
HUNTINGDON, TN 38344
* $ n/a 1 $ 35,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 1 $ 155,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 1 $ 505,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 125,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 195,000
T2 Financial LLC
480 OLDE WORTHINGTON RD SUITE 300
WESTERVILLE, OH 43082
* $ n/a 1 $ 165,000
Armed Forces Bank, N.A.
320 KANSAS AVENUE
FORT LEAVENWORTH, KS 66027
* $ n/a 1 $ 5,000
Waterstone Mortgage Corporation
17950 W CORPORATE DR STE 100
BROOKFIELD, WI 53045
* $ n/a 1 $ 215,000
Legacy Home Loans, LLC
4025 HILLSBORO PIKE #601
BRENTWOOD, TN 37027
* $ n/a 1 $ 345,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 255,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 335,000
Pentagon Federal Credit Union

OMAHA, NE 68164
* $ n/a 1 $ 35,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 1 $ 155,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 1 $ 5,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 1 $ 265,000
The Loan Store, Inc

TUCSON, AZ 85718
* $ n/a 1 $ 115,000
Leaders Credit Union
35 STONEBRIDGE BLVD.
JACKSON, TN 38305
* $ n/a 1 $ 85,000
Intercoastal Mortgage, LLC
11911 FREEDOM DRIVE SUITE 500
RESTON, VA 20190
* $ n/a 1 $ 215,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 85,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 135,000
Firsttrust Home Loans
906 SOUTH ROCK ST.
SHERIDAN, AR 72150
* $ n/a 1 $ 225,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 1 $ 205,000
Bank of Dickson
466 HWY 46 SOUTH
DICKSON, TN 37055
* $ n/a 1 $ 105,000
Homexpress Mortgage Corp.
1936 E DEERE AVE SUITE 200
SANTA ANA, CA 92705
* $ n/a 1 $ 265,000
Ocmbc, Inc.
19000 MACARTHUR BLVD, SUITE 200
IRVINE, CA 92612
* $ n/a 1 $ 195,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 235,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 1 $ 105,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 195,000
Princeton Mortgage Corporation
2482 PENNINGTON ROAD SUITE 1
EWING, NJ 08628
* $ n/a 1 $ 155,000
Advantagefirst Lending Inc
2 SOUTH POINTE DRIVE SUITES 200-235
LAKE FOREST, CA 92630
* $ n/a 1 $ 305,000
First National Bank of Omaha
1620 DODGE STREET
OMAHA, NE 68197
* $ n/a 1 $ 165,000
Tomo Mortgage LLC
909 THIRD AVENUE 9TH FL
NEW YORK, NY 10018
* $ n/a 1 $ 115,000
Premia Mortgage, LLC

CHICAGO, IL 60613
* $ n/a 1 $ 145,000
Cnb Bank
1 S SECOND STREET
CLEARFIELD, PA 16830
* $ n/a 1 $ 225,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 245,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 395,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ n/a 1 $ 375,000
Residential Wholesale Mortgage
11234 EL CAMINO REAL #100
SAN DIEGO, CA 92130
* $ n/a 1 $ 255,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 85,000
Brighton Bank
7663 HIGHWAY 51 S
BRIGHTON, TN 38011
* $ n/a 1 $ 385,000

The tables below break down 2025 mortgage applications in Houston County, TN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Houston County, TN in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 255 $56,475,000 $221,000 $675,000 $101,000 $1,646,000
Cash-out Refinancing 95 $19,545,000 $205,000 $655,000 $84,000 $182,000
Refinancing 55 $12,375,000 $225,000 $695,000 $107,000 $261,000
Other Purpose 46 $5,570,000 $121,000 $705,000 $100,000 $499,000
Home Improvement 39 $3,175,000 $81,000 $255,000 $121,000 $1,000,000
Not Applicable 0 $0 $0 $0 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 374 $69,420,000 $185,000 $705,000 $101,000 $1,646,000
Not applicable 45 $11,715,000 $260,000 $595,000 $142,000 $193,000
Not Provided 43 $9,855,000 $229,000 $695,000 $88,000 $210,000
Hispanic 18 $4,420,000 $245,000 $615,000 $110,000 $196,000
Black or African American 4 $630,000 $157,000 $285,000 $81,000 $92,000
American Indian or Alaskan Native 3 $655,000 $218,000 $335,000 $89,000 $96,000
Asian 3 $445,000 $148,000 $165,000 $66,000 $84,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 286 $43,450,000 $151,000 $705,000 $107,000 $1,646,000
VA-guaranteed (Veterans Administration) 93 $30,145,000 $324,000 $695,000 $101,000 $229,000
FHA-insured (Federal Housing Administration) 89 $19,775,000 $222,000 $485,000 $73,000 $185,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 22 $3,770,000 $171,000 $355,000 $85,000 $185,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 237 $50,275,000 $212,000 $705,000 $111,000 $1,646,000
Application Denied By Financial Institution 97 $14,745,000 $152,000 $625,000 $87,000 $499,000
Application Withdrawn By Applicant 54 $11,490,000 $212,000 $595,000 $96,000 $204,000
Loan Purchased By The Institution 47 $12,165,000 $258,000 $595,000 $128,000 $193,000
File Closed For Incompleteness 38 $5,700,000 $150,000 $555,000 $68,000 $138,000
Application Approved But Not Accepted 16 $2,430,000 $151,000 $445,000 $89,000 $189,000
Preapproval Denied by Financial Institution 1 $335,000 $335,000 $335,000 $125,000 $125,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 359 $76,025,000 $211,000 $695,000 $97,000 $1,000,000
Debt-To-Income Ratio 61 $10,915,000 $178,000 $705,000 $124,000 $1,646,000
Credit History 34 $4,480,000 $131,000 $445,000 $89,000 $499,000
Collateral 13 $2,015,000 $155,000 $555,000 $115,000 $312,000
Credit Application Incomplete 6 $1,470,000 $245,000 $625,000 $108,000 $176,000
Insufficient Cash (Downpayment, Closing Cost) 6 $680,000 $113,000 $255,000 $84,000 $156,000
Unverifiable Information 6 $960,000 $160,000 $245,000 $91,000 $150,000
Other 5 $595,000 $119,000 $255,000 $57,000 $111,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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